Improve the performance of your entire collection team!

Maintaining the integrity of the PACE Program, we can work with you to tailor a version to suite the needs of your organization. It may be still be delivered as an on-line and self-study program, but could also be delivered virtually or (when covid restrictions permit) be an instructor-led program at your location.

The P.A.C.E. Program – Tailored and Delivered In House

This involves three days of instructor led seminars and training delivered at your offices or a location of your choice. Our instructors work with your team to ensure the subjects may be tailored to suit your specific requirements while maintaining the integrity of the program. Our preference is for three consecutive days but training can be tailored, one day per week or every two weeks as an example.

  • Selection of Instructor 
  • Program is tailored
  • Pre-qualification of students
  • Assignments of one to two hours of expected student time may be given before the training
  • Training, tests and assignments take place during the three days
  • Students who fail a test/assignment in the program may re-take them on-line for up to three months
  • Final testing, with our instructors via telephone or Internet, takes place within one day to a week after they successfully complete final module
  • Certificates delivered. If possible, the instructor or another member of the ICPC will be present to present certificate designation.
  • Graduates qualify for privileges such as discounts on products and services
  • Encouraged to raise the bar and keep it high via special newsletter for CFCP Graduates

Check out our highly qualified and experienced trainers who can deliver the PACE Program “tailored” to your team at your location:

Canada, U.S.A. and Caribean

Tim Paulsen and/or Krista Walsh (One or both, depending on size of group, availability and client preference.)


Tim Paulsen

The founder and Managing Director of ICPC, Tim is the author of “Paid in Full”, “Platinum Negotiations and Tipping the Scales. He has delivered programs and worked with clients in more than 20 countries. Many who have attended his program have stated he is ‘the very best speaker’ they have heard!


Krista Walsh, C.F.C.P.:

Krista’s career in accounts receivable has been on a high trajectory since she started as a collector in 2001. Just a few years later, she opened the doors of her own collection agency “KC COLLECT”, the first and only woman owned collection agency in Canada. She received her final training and designation as a certified trainer for ICPC in Kingston, Jamaica in 2011.

MENA (Middle East & North Africa) region, including Pakistan and neighboring  countries.



Hanif Patel:


Mr. Patel has extensive experience in Credit & Risk Management. He has effectively managed the entire credit cycle using qualitative and quantitative approaches and by exploiting upside chances and mitigating downside risks.

He has strong management, leadership and communication skills with proven successful record of transforming businesses into profitable modes by directly managing P&L with a touch of efficiencies and effective people management.

Mr. Patel holds a BS degree from the University of Houston Texas, USA in Business and Commerce with a major in Financial Institutions. He has completed multiple senior global-level courses at institutions in Asia and Middle East with a concentration in Risk Management and Credit Operations.

His background includes working in Pakistan, Saudi Arabia, Qatar, Bahrian and UAE in the last 23 years. Over this period, Mr. Patel has trained hundreds of collection and recovery staff for many banks by successfully conducting many training sessions and workshops within Asia, Middle East and Turkey.

While credit and collections is similar around the world, Hanif has added the appropriate adjustments necessary to The P.A.C.E. Program© to ensure it fits Pakistan, MENA and surrounding countries, including, where appropriate, Islamic banking traditions.

Mr. Patel is also a valued member of our International Consulting Team and is available to deliver a tailored PACE Program.

South East Asia (Brunei, Malaysia, Thailand, Indonesia, Vietnam)

Steve Coyle, M.A., M.B.A., C.F.C.P.

Steve is the author of ‘Debt Collections: Stir-Fried or Deep-Fried?’, where he compares Western vs. Eastern collection strategies and techniques.

He is originally from Seattle and has lived in Malaysia since 1995. His background is in the banking, telco, and education industries. He has dealt with thousands of customers and learners in his work experience. He also has HR experience working as a Trainer and Training Head.

Mr. Coyle has an MBA from Gonzaga University (U.S.A.) and a Masters in Education- Instructional Technology(Malaysia). He is a Certified Credit Executive (USA) and a Certified Financial Collections Professional (Canada). He is a certified ‘English as a Second Language instructor’ (UK). He’s a member of the Association of Credit Management Malaysia.

He writes for magazines such as Quill (Malaysia), New Strait Times (Malaysia), Call Center Magazine (US)m Credit CCR World (UK), Business Credit (US), Credit Today (UK), Training Magazine (US), Credit Management (Australia), and others.

Steve has been instrumental in tailoring the PACE Program, identified as “Tiger Division” to the unique culture and demands of the region. In ealy March of 2012, Steve delivered the first “on-site” PACE Programs in South East Asia to a major Malaysian bank.

West Africa

Obed Awinzo, C.F.C.P., B.Sc and HND in Accounting


Mr. Awinzo is a graduate of the PACE Program (c), both consumer and commercial version. His experience includes four years as Senior Credit Controller at Silver Star Auto Ltd-Accra-Ghana, he was the  head of the credit and recovery department of TATA Africa Holdings (Ghana) Ltd for five years from 2011 to 2015 and currently the Credit Controller of Nyaho Medical Centre-Airport Residential Area-Accra.

He is also a level I candidate of the CFA Institute-USA.

He has been instrumental in directing PACE to be tailored and fit the West Africa market and its unique challenges. Obed will help with any questions you or your firm may have about taking the program or about arranging for in-house PACE sessions.

He can be contacted on + 233 20 3625515 or


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